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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,268 | $81,476-72.7% | $102,383-78.3% | $80,925-72.5% |
| Participation rate | 40.0% | 66.8%-26.8pp | 74.5%-34.5pp | 67.7%-27.7pp |
| Annual return | 9.94% | 25.59%-15.6pp | 24.94%-15.0pp | 35.65%-25.7pp |
| Employer contribution / active EE | $1,773 | $3,105-42.9% | $3,870-54.2% | $2,756-35.7% |
| Participant deferral / active EE | $3,026 | $3,871-21.8% | $5,060-40.2% | $4,299-29.6% |
| Admin fee / account holder | $2,198 | $6,717-67.3% | $8,391-73.8% | $6,940-68.3% |